CFPB Consumer Complaint Profile
Merchants Automotive Group LLC
What 10 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 10
- Total complaints
- Below average
- 2
- Last 12 months
- 50%
- Timely response
- Bottom decile
- 5
- States affected
The verdict
10 CFPB complaints put Merchants Automotive Group LLC at #3715 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 50%, the 3rd percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 50%
- on time (3rd pctile)
- Vehicle loan or lease
- most-complained product
- 5
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Merchants Automotive Group LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
50% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 1 |
| 2021 | 1 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Automotive Group LLC
The CFPB Consumer Complaint Database has logged 10 complaints against Merchants Automotive Group LLC overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 5 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing the loan or lease," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Merchants Automotive Group LLC posts a 50% reply rate on forwarded complaints. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Merchants Automotive Group LLC have?
10 complaints have been filed against Merchants Automotive Group LLC with the CFPB overall - 2 of them in the past year.
Does Merchants Automotive Group LLC respond to complaints on time?
Merchants Automotive Group LLC's CFPB timely-response rate is 50%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Merchants Automotive Group LLC?
Among all products tied to Merchants Automotive Group LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Automotive Group LLC?
Consumers most often cite "Managing the loan or lease" when complaining about Merchants Automotive Group LLC; the full issue list with counts is above.
How do I file a complaint against Merchants Automotive Group LLC?
You can file a complaint against Merchants Automotive Group LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Merchants Automotive Group LLC?
Merchants Automotive Group LLC has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Automotive Group LLC have?
10 complaints have been filed against Merchants Automotive Group LLC with the CFPB overall - 2 of them in the past year.
Does Merchants Automotive Group LLC respond to complaints on time?
Merchants Automotive Group LLC's CFPB timely-response rate is 50%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Merchants Automotive Group LLC?
Among all products tied to Merchants Automotive Group LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Automotive Group LLC?
Consumers most often cite "Managing the loan or lease" when complaining about Merchants Automotive Group LLC; the full issue list with counts is above.
How do I file a complaint against Merchants Automotive Group LLC?
You can file a complaint against Merchants Automotive Group LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Merchants Automotive Group LLC?
Merchants Automotive Group LLC has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.